By MOAA Staff

TRICARE Prime and Select users will see an increase of about 3% or less, in most cases, in copays, premiums, and other payments in 2026, according to a Nov. 7 announcement. Beneficiaries enrolled in other TRICARE plans will see more significant cost hikes, as they have in previous years.

The Prime and Select increases are informed by the retiree cost-of-living adjustment (COLA), which will be 2.8% in the upcoming year. A full cost sheet is available at TRICARE.mil.

The announcement comes days before the start of TRICARE’s open enrollment period, which begins Nov. 10 and lasts through Dec. 9. For retirees and dependents considering a plan switch: Some rates to consider for Group A beneficiaries (entered service before Jan. 1, 2018):

TRICARE Prime

• Annual premium, individual: $381.96 (up from $372 in 2025)
• Annual premium, family: $765 (up from $744)
• Deductible: $0 (same as 2025)
• Primary care copayment: $26 (up from $25)
• Specialty care copayment: $39 (up from $38)
• Catastrophic cap: $3,000 (same as 2025)

TRICARE Select

• Annual premium, individual: $186.96 (up from $181.92 in 2025)
• Annual premium, family: $375 (up from $364.92)
• Deductible, individual: $150 (same as 2025)
• Deductible, family: $300 (same as 2025)
• Primary care copayment (in-network): $38 (up from $37)
• Specialty care copayment (in-network): $52 (up from $51)
• Catastrophic cap: $4,381 (up from $4,261)
  
  

Visit the TRICARE website for additional costs, including those for active duty family members and Group B beneficiaries (those whose service began on or after Jan. 1, 2018).

[AT TRICARE.MIL: Plan Cost Comparison Tool]

Premiums for other TRICARE plans are dependent on the program’s costs. In past years, this has resulted in increases outpacing COLA and/or inflation, and 2026 will be no different – monthly TRICARE Young Adult premiums will rise more than 7%, for example:

• TRICARE Reserve Select: $57.88 member only (up from $53.80 in 2025); $286.66 member and family (up from $274.48).
• TRICARE Retired Reserve: $645.90 member only (up from $631.26); $1,548.30 member and family (up from $1,513.04).
• TRICARE Young Adult-Prime: $794 (up from $727).
• TRICARE Young Adult-Select: $363 (up from $337).
• Continued Health Care Benefit Program (quarterly): $2,103 member only (up from $1,849); $5,339 family (up from $4,621).

Find all the latest updates on your TRICARE benefit at MOAA.org/news, and visit our newly updated TRICARE Guide for further guidance, including important contact information, a glossary of key terms, and much more.